Business Insurance

Cox Insurance Services is a leader in servicing the Business Insurance Market.

Cox Insurance Services has been helping Business Owners since 1989, we’ve got the experience to provide solutions for all of your Business Insurance needs, and is a leading Business Insurance Agency in Arizona.

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Our Agency

We provide personalized service with one simple goal:

To provide you with information and options so you can choose the Commercial Insurance you want for your Business.

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We are knowledgeable about your industry

We listen and understand your needs

We have access to the best Insurance products in the industry.

Industries We Service Include:


We don’t write “pooled” or “Master Policies”, which are inferior in many ways. Packaged policies that are not invoiced by multiple carriers. We are members of several Real Estate Associations, including the Arizona Multihousing Association (AMA), the Association of Community Managers (AACM), Building Owners and Managers Association (BOMA), the American Apartment Owners Association (AAOA) and the Community associations Institute (CAI).

Auto Services

Whatever automotive service you provide, there’s never enough time to think about insurance.  General auto repair, body shops, car washes and more – we’ll spend the time to get you the exact coverage you need.

Service Contractors & Builders' Risks

We offer leading Insurance Carriers for Commercial Buildings under Construction. Our experience with Certificates of Insurance help our customers successfully bid and win jobs – along with many of the Endorsements required by General Contractors and Municipalities. This includes Waiver of Subrogation, Additional Insureds, Per Project Aggregates for Liability and special Tools and Equipment coverages.

Commercial Real Estate

Single Buildings, to portfolios in multi-states, with Umbrellas up to 100 Million.

Condominium & Homeowners Associations (HOA’s)

Directors and Officers, Unit Owners, Fidelity / Crime, Property Manager and Umbrellas up to $100 Million

Education & Non-Profit

Packages that meet specific needs of your organization, including options such as Tuition and Fees coverage, Professional Counseling Liability, and Corporal Punishment coverages.


We have Non-auditable policies, versus our competitors that audit payroll and/or sales.

Professional Services

Packages for all types of Professions, Accountants, Engineers, Real Estate and more.

Religious Organizations

Coverage options that helps you spend your time and energy addressing their needs and keep your church, mosque, synagogue or temple group focused on work that really matters.

Restaurant Bars & Taverns

Non-auditable policies that we customize with coverages such as Equipment Breakdown, Spoilage, Food contamination, Crime, Employee theft – all designed to keep an “OPEN” sign in your Restaurant window in the event of the unexpected.


Whatever your specialization, you know you need to protect your retail store from the unexpected. We are small business owners just like you, we can help you understand coverage options as you analyze your needs.


We offer specialized coverages including Transportation, Product Recall, Cyber-Liability and Loss Control programs designed for Wholesalers.

Tailor your coverage with these additional insurance endorsements, coverages and policies:


Buildings, Business Property, Property in Transit, Tools and Equipment, Contractors Installation Coverage – we offer Industry Specific Property coverages.


Anyone who comes into contact with your Business or Employees can file a claim or lawsuit for any number of reasons – we have solutions to pay for Liability claims and the legal defense and damages that are also tailored for your industry. We also have Errors and Omissions and Professional Liability Insurance for any profession.

Cyber Liability

Customer data and confidential information coverage is critical today, we have Cyber liability and data break coverage that can help provide you with legal and forensic assistance to attempt to recover stolen data, as well as ongoing data security consultation to help you manage cyber risks.


The more successful your company, the more it may attract the attention of dishonest people – employees, associates, or outsiders. We can show you coverage options to help address these risks – low-tech and high-tech.


Business Auto Insurance is complicated! Coverages and rating are very different than personal insurance. We can show you coverage for Non-Owned Commercial Auto, Leased Vehicles, Contractors Vehicles, Food Trucks - we can show you all the coverage options that reduce risk and improve operations.

Workers’ Compensation

Whether a key member of your management team, a skilled technician or your executive assistant. If anyone suffers an on-the-job injury, you want to try to take care of them and minimize lost productivity. A workers’ compensation policy can address medical care and lost income for your employees, death benefits for survivors, and your potential liability for covered claims.


You’ve worked hard for the success of your business — and a single unfortunate event could put its assets at risk if the cost of a covered claim exceeds the limits of your business liability insurance. It’s an additional layer of liability insurance that begins at the limit of an underlying liability policy. Purchased in $1 million increments, it helps protect your business from risks like large jury awards.

Business Life

Life insurance can do more than help your business recover from the death of a key employee. It can also play a critical role in your compensation plan — helping you recruit, retain and reward your employees.

We realize that Business Insurance isn’t a one-size-fits-all solution.

Each of our Business Policies begins with essential coverage like liability and property insurance – you can customize it for your specific requirements. Whether you operate a Restaurant or Manufacturer, you choose the coverage you want. We offer programs not available from many brokers, new innovative and industry-leading packages for Business Insurance, Workers’ Compensation and Commercial Auto. Our Advantage is that we can act as a broker for certain risks, and offer captive Insurance Carriers not available through brokers.

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